The Mary Neilson Team - Realtors (239) 243-5989

Short Sale and Foreclosure Specialist Realtor Century 21 Real Estate Agent Cape Coral Fort Myers Lehigh Acres Florida

2010-02-07T18:55:00.000-08:00

Call the Mary Neilson Team today at 239-243-5989. Ask how we can help YOU!!! Don't wait until it's too late. Short sales are easier on your credit than a foreclosure. All conversations are strictly confidential. We'll walk you through the process one step at a time. The call is free, The help you will receive is priceless. Call 239-243-5989 or email mary@maryneilson.com

Need Help? Real estate agent REALTOR Short Sale Experts in Cape Coral Lehigh Acres Fort Myers Florida.

2010-02-07T18:46:00.000-08:00

Do you have an Citi Mortgage, Bank of America, National City, First Franklin, Option One, American Home Mortgage Servicing Inc., AHMC, EMC, Wells Fargo, Countrywide, Aurora, Saxon, Washington Mutual, Specialized Loan Servicing Home Loan in Lee County, Cape Coral, Fort Myers Lehigh Acres, Florida ? Are you behind in your payments? Avoid foreclosure. The Mary Neilson Team can help. We have negotiated short sales with these and other lenders successfully and will take the time to explain your options. Call or email Mary today to learn more. 239-243-5989 mary@maryneilson.com

Search Cape Coral Fort Myers Florida homes MLS Like a Real Estate Agent REALTOR!

2010-02-07T18:30:00.000-08:00

Click the link 'SEARCH MLS LIKE AN AGENT' near the upper right of this page to find Lee County real estate. Prices are low and it's time to buy in SW Florida. Input your own criteria and search at your own pace. Find foreclosures, bank owned, short sales (sometimes worth the wait), waterfront, sailboat access, canal, beach, pool, single family, condo, Gulf of Mexico access, gated community, golf community, etc. Choose your favorites then contact the MARY NEILSON TEAM for your private showings. Call 239-243-5989. *7 days a week*

Search Bank Owned Foreclosures Foreclosure Short Sale Short Sales Gulf Access Real Estate Homes & Property in Cape Coral Florida Free List

2010-02-07T18:12:00.000-08:00

We're making news here in Cape Coral and Fort Myers Florida and it's GOOD news. Prices are down and Sales are up. Don't miss this fantastic opportunity!!!! Find out how to search for Bank or Corporate owned, Foreclosures & Short Sale homes houses properties. Choose from homes & condos under $100,000., gulf access, canal & waterfront homes under $200,000 and luxury homes $$$.

The MARY NEILSON TEAM are full time, experienced agents serving all of Lee County. Don't hesitate while prices are low, low, low. Many properties are receiving multiple offers. We will have a lender qualify you for a loan so you will be ready to act quickly.

Email me at mary@maryneilson.com or call 239-243-5989 today for a Free no obligation List of SW Florida properties or search the Cape Coral Fort Myers MLS database like a REALTOR.

4 Cape Coral, Fort Myers, Lehigh Acres Florida Short Sales Pre Foreclosures Closed in the last 2 weeks!!!

2009-08-13T07:47:00.000-07:00

Congratulations to THE MARY NEILSON TEAM Century 21 Birchwood Realty Cape Coral Fort Myers Florida REALTOR

2009-08-13T07:43:00.000-07:00

TOP LISTING TEAM for the month of July at Century 21 Birchwood Realty, Inc. Thanks to agents, Donna Moyer, David Dunbar, Jan Jablonowski, Gaby Valderrama & Susan Betts. The Action Team shines again.

Gov't allows short-term loans for tax credit

2009-05-30T05:09:00.000-07:00

May 29, 2009 2:24 PM EST
WASHINGTON - Thousands of first-time homebuyers will be able to get short-term loans so they can quickly make use of a new $8,000 tax credit to pay for some of the costs of buying a home.

The Federal Housing Administration on Friday released details of a plan in which borrowers who use FHA loans can get advances from lenders that let them effectively receive the credit in advance, so they don't have to wait to get the money from the Internal Revenue Service.

Most borrowers will still have to come up with the FHA's required 3.5 percent down payment, unless they work through a state or local housing agency or an approved nonprofit. Ten states have such programs in place, according to the National Council of State Housing Agencies.

But there are many other potential uses, such as for closing costs and fees, or to beef up the down payment beyond the minimum level.

The FHA which insures about a quarter of new home loans, is projected to guarantee about 2.2 million loans in the next budget year.

Any buyer who has not owned a home in the past three years is considered a first-time buyer and eligible for the program. Borrowers can claim the credit by filing an amended 2008 tax return or can wait for their 2009 return.

The change "will present an enormous benefit for communities struggling to deal with an oversupply of housing," Housing Secretary Shaun Donovan said in a statement.

The tax credit was included in the economic stimulus package signed by President Barack Obama in February. It is not available to individuals with incomes above $95,000 or couples with incomes above $170,000 and expires Nov. 30.

Real estate agents and homebuilders generally welcomed the change. Jerry Howard, chief executive of the National Association of Home Builders, called it a "great step in the right direction." On Wall Street, shares of such builders as Toll Brothers and D.R. Horton rose on the news.

Still, some real estate agents were concerned that many buyers won't benefit at all if they can't use it for a down payment - a big hurdle for many first-time buyers.

---

By ALAN ZIBEL AP Real Estate Writer

Adrian Jacobs
239-677-7250

Option One AHMSI Citi Residential EMC Saxon Preforeclosure Short Sale

2009-03-27T18:55:00.000-07:00

Cape Coral, Fort Myers and Lehigh Acres, Florida. This week THE MARY NEILSON TEAM negotiated and closed short sales with lenders Option One, American Home Mortgage Servicing, Citi Mortgage, City Residential, EMC, National City and Saxon before they went into foreclosure. Need a Cape Coral Fort Myers REALTOR or Real Estate Agent you can count on? Call THE MARY NEILSON TEAM today for information on how we can help you. 239-243-5989

2009 Economic Stimulus Package Update Tax Credit First Time Home Buyers

2009-02-23T15:44:00.000-08:00

Wonderful news for first time home buyers in SW Florida. Take a moment to read the message below from Countrywide loan consultant, Adrian Jacobs then call Mary Neilson at 239-243-5989 or email mary@maryneilson.com. Adrian is making things happen and qualifying buyers for loans every day. Don't miss this fantastic opportunity to own a home while prices are low and take advantage of this portion of the stimulus package. The Mary Neilson Team (239) 243-5989 and Countrywide's Adrian Jacobs (239) 677-7250, serving your real estate needs in Cape Coral, Fort Myers, Lehigh Acres, San Carlos & Bonita Springs.

Mary, hope that you had a Great Weekend!

I know the following is a bit long, but it's well worth the read as you may have a friend, family member or someone that your working with that will qualify and benefit from this portion of the stimulus bill.

Well Mary... This is the one thing that we can actually start promoting NOW from the recently passed Economic Stimulus Plan. Done Deal! So if you know someone that has been sitting on the fence about purchasing, then NOW you can give them some GREAT news... This News might just take them off that fence (and into a home). You might be thinking that there is already a Home Buyer Tax Credit in effect; it helped some, but not all that much. Yep. But take a look at the reasons why this newer version is much more buyer-friendly than the one that took effect last July ('08).

* The NEW tax credit is for $8,000. (Before it was for $7500.)

* The NEW tax credit is available for home purchases made between 1/1/09 thru 11/30/09. (Before it was 4/9/08 thru 6/30/09.)

* This is a GREAT benefit… The NEW tax credit has NO repayment requirement! (Before the homeowner paid back $500/yr for 15 years, i.e., full payback.)

* The NEW tax credit has a 3-year recapture requirement (if the home is sold within 3 years). (Before if the home sold within the 15-year repayment period, the outstanding was recaptured on sale.)

* The NEW tax credit allows for MRBs... bond loans. (Before there was NO credit for state/local bond funding.)

THERE are five good reasons to "talk the NEW Homebuyer Tax Credit up" it's improved, and it's NOW. Not all that familiar with the overall tax credit to begin with? Here are bullet points:

* The dollar amount of the credit is actually 10% of the purchase price, up to a max credit of $8,000. (Ex: $72,000 purchase price = $7,200 tax credit.)

* The credit is available for principal residences only (owner occupied).

* The credit is available to first time homebuyers -- note that the definition of a first time HB is a purchaser (and purchaser's spouse) who has not owned a principal residence in three years previous to purchase. Owning a second home(s) or an investment property(s) does not disqualify a person as long as the principal residence rule is intact.

* There are income limits -- To receive full credit the max AGI (adjusted gross income) for individuals is $75K; for joint returns it's $150K. There is a phase out above those caps.

* Any house, anywhere -- new/old, cheap/expensive, REO/short sale/regular, a manufactured or a hi-rise -- if the buyer is "eligible", the credit is there.
Now, the best part about this is that this is an actual tax CREDIT -- it's not a tax DEDUCTION!!! As such, this is a dollar-for-dollar tax REDUCTION -- the buyer's tax liability for the year of purchase may be reduced, eliminated, OR he/she might even receive a "refund". (Example: The Purchaser is eligible for the full $8,000 credit; he/she has a total tax liability of $2700; the $2700 wipes to -0-, and the purchaser will receive a refund of $5,300 from the filed tax return.) Money INTO the pocket BECAUSE it was bought..... Likely at a great price; likely at a great rate; likely with a PITI that competes loudly with renting.

Stay tuned for March 4th for the final "details" on many of the 2009 Stimulus plans and beyond that for some interpretation and decisions on how it will all work.
Remember Mary, a customer can make application with me 24/7 at www.countrywidelocal.com/adrianjacobs or email at: adrian_jacobs@countrywide.com Please call if I can assist you, a client, a friend or a family member with their financing needs. I look forward to earning your business! I am available 7 days a week.

Whether you call Adrian at 239-677-7250 or email him at adrian_jacobs@countrywide.com, don't forget to mention you read this on The Mary Neilson Team website. Together, Adrian and I will put you in the home of your dreams today.

Mary, Make it a Great Week!
Adrian Jacobs
239-677-7250
adrian_jacobs@countrywide.com
Countrywide Home Loans
13550 Reflections Pkwy
Fort Myers, FL 33907

CAPE CORAL, FLORIDA Rebound in real estate could help shore up economy

2009-01-22T06:07:00.000-08:00

Industry experts: Home sales on the rise, locally

By CLINTON BURTON, cburton@breezenewspapers.com

The residential real estate market that, when it fell, dragged the American economy into one of the worst recessions in recent history, hit Southwest Florida particularly hard.

Homeowners lost homes that they could not afford to keep and jobs they could not afford to lose.

However, 2009 may bring a glimmer of hope from the very economic segment that cast a pall over 2008 - real estate.

Figures released this week by the Cape Coral Association of Realtors and by one of Southwest Florida's biggest developers indicate that the residential housing market, vital to the local economy, may be on the cusp of making a comeback.

Sandoval, a Bonita Bay Group community in northwest Cape Coral, reported an increase in sales in 2008 over 2007. Debbie Holm Sheeley, general manager of community operations, said she expects a swing toward the positive as consumers realize that the fire sale-like deals will not last forever.

"Smart shoppers are looking for values," she said. "And they're finding them, so properties are moving."

Although, Holm Sheeley said, the community sees fewer visitors these days, a higher percentage are serious shoppers. Roughly one out of every 11 visitors to Sandoval last year bought a home.

2008 marked the second year in a row of sales increases in the community in a time when a number of its affluent-market competitors fell on much harder times.

Still, Holm Sheeley said, buyers were not exactly lining up to move into Sandoval when the community went on the market in early 2005.

"There were a lot of people who waited. There were some buyers that came in early but wanted to wait until the amenities were built out," she said. "Some people like getting in on the ground floor. Others are people like me, who have hard time buying based upon a sheet a paper."

Holm Sheeley said she is confident the uptick will continue since, in an up or down market, Southwest Florida remains an attractive place to live.

"There are a lot of great places to live in Cape Coral, Sandoval included, and we're very optimistic that this momentum will continue," she said.

Cape Coral Association of Realtors President Paula Hellenbrand shares her optimism.

"I just received the new numbers today, and it's clear that the market is changing. In the fourth quarter of 2008, home sales in Cape Coral were up 295 percent. We currently have 3,900 homes on the market. In the first quarter of 2008 we had 4,400," she said.

Hellenbrand, the broker-owner of Encore Realty, concedes that with homes selling for less, real estate professionals are having to sell more homes to turn the same profits that in recent years would have taken fewer closings.

More work for Realtors, however, could eventually benefit every homeowner in the city due to simple supply and demand. As continued sales decrease residential inventories, they eventually lead to greater demand and subsequently higher selling prices.

Hellenbrand said the resulting increase in property values may take several months or even years to culminate, but in the meantime potential homebuyers can bargain shop.

"Think of it as going to your favorite department store and seeing something you have always wanted on the discount rack and it's 75 percent off," she said. "That's what the market is like now, and that's why it's trending upward."

To emphasize her point, Hellenbrand cited a home that county records reportedly show sold for just over $150,000 as recently as 2005.

"In a few hours, one of my buyers is closing on that house for $85,000," she said.

A basic economics lesson, however, does not take into account the human factor that will eventually revitalize the housing market and, presumably, allow the broader-reaching economy to bootstrap itself from its current malaise.

Cape Realtor Lenora Marshall, of Century 21 Sunbelt Realty, believes that the current wave of buyers will continue to benefit the local real estate market long after they have closed on their homes.

"People are buying homes to live in, not just as an investment that they are hoping to flip," she said. "When these people move in, they improve the value of the entire neighborhood."

Instead of having an abandoned or absentee-owned home next door, the new neighbors set about improving the property, Marshall said.

"Even if that just means cutting the grass or applying a fresh coat of pain, the property is now someone's home and not just a house, so it's likely going to be well taken care of," she said. "Many people also are planting trees. Cape Coral definitely needs more trees. Buyers who are purchasing homes to live in, and not as a business venture, end up making Cape Coral a better place to live."

Any uptick in the housing market generally bodes well for the health of the further reaching economy.

A 2004 research project by the Center for Applied Economic Research at Montana State University concluded that a strong real estate market can benefit many more people then just those directly involved in the construction and marketing of homes.

In fact, the researchers said, strong sales of new and existing homes can impact an economy all the way up to the county level and beyond, regardless of where, specifically, the homes are being sold.

The study emphasized the direct, indirect and induced effects of home sales.

Direct effects benefit the businesses involved in the sale of real estate such as real estate, mortgage and title firms. Businesses that aid or facilitate property sales, accounting and advertising firms, benefit indirectly from upward market swings.

The final effect, what researchers call induced effect, is also the most far-reaching. Everyone who makes money from real estate transactions also spends money for goods and services, thus benefiting everyone from dry cleaners to fast food restaurants.

However, it takes time to overcome any recession, according to Gary Jackson, director of the Regional Economic Research Institute at Florida Gulf Coast University.

"I think the economy is making a comeback, but it's going to take time. We may be looking at 2011 before the recession ends," he said.

According to Jackson, that may be just what the economy needs to stay healthy in the long run.

"When things are good and booming, volatility can rise faster and that's always going to be a problem. We have to think about the impact and the long-term effects," he said.

Jackson harkens back to 2001 when Southwest Florida last saw a noticeable recession.

"We were able to come out of that fairly quickly, but we won't be able to do it this time around because we just don't have the population growth that we were having then," he said. "Most economic forecasts call for a slow return, maybe as late as 2011. That's desirable. The growth that led to this recession wasn't sustainable. Slower growth is what we want."

Key to recovery is consumer confidence, Jackson said.

"Consumer confidence is important and it has risen a little bit in the last few months, but it's still very low. When consumers are concerned about losing their jobs or their homes, they stop buying the durable goods whose production and sale drive the economy."

Jackson said newly seated President Barack Obama may inspire confidence in some buyers, but America should not expect a speedy recovery.

"He's got some new ideas and may be able to turn things around, but even he admits that it's not going to happen overnight. He's been very explicit when talking about his stimulus package, that it is going to take time. He's even said that he may not be able to implement all of his ideas in one term."

Regardless, Jackson looks into the economic crystal ball with guarded optimism.

"I think we're already on the road to recovery," he said. "But it's going to take a little more time to get there."

Search real estate homes condo foreclosures short sales property in Cape Coral Lehigh Fort Myers Florida

2008-10-05T07:18:00.000-07:00

SOUTHWEST FLORIDA REAL ESTATE HOME BUYERS ARE BACK! CAPE CORAL FORT MYERS LEHIGH ACRES FLORIDA

2008-09-15T17:16:00.000-07:00

RECENT SOLD PROPERTIES by THE MARY NEILSON TEAM 239-243-5989

509 Wildwood Pkwy. Cape Coral, FL 3BD 2BA $89,000

1209 SW 9th Ct. Cape Coral, FL 3BD 2BA $90,000

4001 SW 17th Ave Cape Coral, FL 3BD 2 BA $92,000

3923 Palm Tree Blvd. Cape Coral, FL 3BD 2BA $107,000

653 Ladd St Lehigh Acres, FL 3BD 2BA $114,480

1912 SE 6th Terr Cape Coral, FL 4BD 2BA $132,500

4009 NW 41st Ave Cape Coral, FL 3BD 2BA Pool $156,000

3904 Oasis Blvd Cape Coral, FL 3BD 2BA Pool $160,000 Short Sale

2666 Sunset Lake Dr Cape Coral, FL 3BD 3BA Pool/Lake $166,000

14975 Rivers Edge Fort Myers, FL 2BD 2BA Condo $175,000

1808 SE 6th ST Cape Coral, FL 6BD 3BA Pool $220,000 Short Sale

4025 Surfside Cape Coral, FL 3BD 2BA Pool $225,000 Short Sale

1426 SE 15th Ter Cape Coral, FL 3BD 2BA Pool GulfAccess $226,000 Short Sale

12969 Turtle Cove N Fort Myers, FL 3BD 2BA Pool $259,000 Short Sale

4908 SW 3rd Ave Cape Coral, FL 3BD 2BA Pool/GulfAccess $265,000 Short Sale

602 NW 3rd Ave Cape Coral, FL 3BD 3BA Pool/Canal $330,000

1427 SW 49th ST Cape Coral, FL 3BD 2BA Pool/Sailboat $420,000

The Market is heating up! Don't miss your chance to reserve your place in Paradise.

Call Mary 239-243-5989

Call Donna 239-443-7413

Call Jan 239-699-1762

Call Dale 239-281-1577

CONGRATULATIONS TEAM! CENTURY 21 BIRCHWOOD 'TOP SALES TEAM JULY 2008' REALTORS

2008-08-30T17:50:00.000-07:00

The Mary Neilson Team is proud to be the Century 21 Birchwood Realty #1 Sales Team for the month of July. Continually providing excellence in client services are Mary Neilson, Donna Moyer, Dale Hintermeier and Jan Jablonowski.

Whether Buying or Selling your home in the Cape Coral, Fort Myers, Lehigh Acres or all of Lee County call on The Mary Neilson Team for the personal attention you deserve.

Available 7 days a week

Mary Neilson 239-243-5989 mary@maryneilson.com

Donna Moyer 239-443-7413 dmoyer1951@aol.com

Dale Hintermeier 239-281-1577 dale@century21.com

Jan Jablonowski 239-699-1762 jan239@comcast.net

Mary Neilson Team Agents Experienced Realtors Negotiate SHORT SALE w/ your Lender Bank NO CHARGE to you Cape Coral Fort Myers Lehigh Acres Florida

2008-08-30T16:02:00.000-07:00

The Mary Neilson Team will list, market and work with your lender to negotiate a short payoff of the mortgage on your property to avoid foreclosure. If you have received notice from the court or your lender, there is still time to short sell. Generally 6 to 9 months.

1) Our Team will gather the needed Paperwork ie; Listing Agreement/Related & Lender Required Documentation.

2) Our Team will contact the lender and submit necessary information & Docs.

3) Our team will Market the Property to Procure a Buyer.

4) Our Team will provide lender with a Pre-Hud once an offer has been submitted.

5) Our Team will negotiate with lender to accept a Short Payoff amount with NO out of pocket to seller. ( Lender to pay commissions, state doc stamps, title insurance & related fees associated with the sale of real estate )

6) Our Team will work toward a Successful Closing.

Available to answer your questions 7 days a week. Contact one of The Mary Neilson Team to walk you through the process.

Mary 239-243-5989 mary@maryneilson.com

Donna 239-443-7413 dmoyer1951@aol.com

Dale 239-281-1577 dale@century21.com

Jan 239-699-1762 jan239@comcast.net

The Mary Neilson Team recommends seeking the advice of your Attorney and/or Accountant

Governor Christ signs a Bill that provides homeowner protection from Unscrupulous predators. 'upfront fees to negotiate a short sale'

2008-06-19T09:15:00.000-07:00

The Mary Neilson Team provides short sale negotiation on pre-foreclosure properties free of charge. We will negotiate a sale with your lender. Our fee is paid by the Lender at closing.

CS/HB 643 - Foreclosure Fraud

GENERAL BILL by Jobs & Entrepreneurship Council and Ford (CO-SPONSORS) Ambler; Brisé; Bucher; Bullard; Chestnut; Gibbons; Gibson, H.; Gonzalez; Hasner; Homan; Hukill; McKeel; Patronis; Reagan; Richardson; Richter; Roberson; Schenck; Schultz; Weatherford; Zapata
Foreclosure Fraud: Provides legislative findings & intent relating to need to protect homeowners who enter into agreements designed to save homes from foreclosure; prohibits foreclosure consultants from engaging in specified acts or failing to perform contracted services; requires all agreements for foreclosure-related services & foreclosure-rescue services to be in writing; specifies required information in written agreements; requires statements in written agreements to be in uppercase letters of specified size; provides homeowners with right to cancel agreement for specified period & specifies right may not be waived; provides homeowner has specified period during which to cure defaults; requires equity purchasers to verify homeowner's ability to make payments under repurchase agreement; provides for rebuttable presumption of specified transactions being unconscionable; provides that foreclosure-rescue transactions involving lease option or other repurchase agreement create rebuttable presumption that transaction is loan transaction & conveyance from homeowner to equity purchaser is mortgage; provides for limited application of presumptions & for exclusions; provides that persons who violate specified provisions commits unfair & deceptive trade practice; repeals provision relating to violations involving individual homeowners during course of residential foreclosure proceedings.
Effective Date: October 1, 2008

Last Event: 05/28/08 Approved by Governor; Chapter No. 2008-79 on Wednesday, May 28, 2008 2:58 PM

IT'S TIME TO BUY IN FLORIDA Real Estate Bargains Cape Coral Fort Myers

2008-04-27T05:18:00.000-07:00

Bank Owned, Pre Foreclosure, Short Sales. First time buyers home, Waterfront homes, condos, vacation homes and vacant land are at 4 to 5 year lows. If you are considering a piece of Florida Paradise, Call on a member of The Mary Neilson Team, Century 21 Birchwood Realty. Inc. Mary Neilson, Donna Moyer, Jan Jablonowski or Dale Hintermeier will be happy to set up your FREE personalized MLS search with a Client Portal where you can view, save or reject houses, condos or vacant lots in Cape Coral and Fort Myers Florida from the comfort of your home. Properties with criteria specific to your wishes, wants and needs will be automatically emailed to you as they hit the market. No pressure. Just let us know when you find your perfect dream home. For more details call (239) 243-5989 or email mary@maryneilson.com today.

Avoid Foreclosure Mary Neilson Team Century 21 Birchwood will negotiate your Short Sale Lee County Florida Cape Coral Fort Myers

2008-04-26T18:22:00.000-07:00

Get the job done right. From listing to closing, as stress free as possible, we understand what you are going through. Call today!

Mary Neilson 239-243-5989 mary@maryneilson.com

Donna Moyer 239-443-7413 dmoyer1951@aol.com

Dale Hintermeier 239-281-1577 dale@century21.com

Jan Jablonowski 239-699-1762 jan239@comcast.net

"List with us, consider it sold"

Sample, write lender HARDSHIP LETTER for Short Sale Pre Foreclosure Cape Coral Fort Myers Lehigh Acres Mary Neilson Team Century 21 Birchwood Realty

2008-04-26T17:38:00.000-07:00

Short Sale - Sample hardship letter
THIS IS A SAMPLE HARDSHIP LETTER:
More information on Short Sale: Sample hardship letter (each situation is different).

Lender Name Lender Address Lender's fax number

Today's Date

RE: Hardship Letter - Short Sale for _____________________ address

To whom it may concern:

I purchased my home at _____________ in ___________. At that time I was employed by _______and business was very good. My salary and the possibility of a promotion and raise made me sure that I could easily support my mortgage. Unfortunately, a downturn in the market caused my company to reduce its workforce and I was laid off.

After searching for a comparable job, I finally got a temporary position as an office assistant as I continuing seeking other work. I struggled for several months to make my mortgage payment, and was also hit with some medical payments that I did not expect (the COBRA payment was more than twice what I was paying when employed). I knew I would have to sell my home to protect my credit rating and possibly have enough cash left over for moving expenses and some savings. I put my home up for sale by owner in _________, but there were several problems that I did not have enough money to fix, such as the broken fence in the back yard and some pretty severe leaks in the roof which indicated a new one was needed. Over the next three months I lowered the price three times but still had no takers. I am now working with a real estate agent and I believe she will be able to help me sell quickly.

I really love my house, but I know that I cannot afford it. I am a single parent, working as a temporary employee with few benefits and no savings. My financial situation cannot sustain a home mortgage of nearly $2200 per month. I want to sell the home, avoid foreclosure and salvage my credit. I know that a foreclosure on my record will affect me for years to come. I would ask that you please assist me in avoiding this.

Please accept this offer as payment in full. My attorney has advised me to file bankruptcy, but I prefer to avoid further destruction of my credit. I just want to move on and start over.

I deeply appreciate your help and understanding in this matter. If you have any questions, or need anything further from me, please contact my agent or me personally.

Sincerely, Home Owner Name Address and Contact Information

Countrywide Chase Option One American Home Mortgage Wells Fargo Franklin Carrington Short Sale Cape Coral Fort Myers Information AVOID Foreclosure

2008-04-26T05:30:00.000-07:00

The Mary Neilson Team has been successful in negotiating short sales with lenders. Allow Mary Neilson mary@maryneilson.com, Donna Moyer dmoyer1951@aol.com, Dale Hintermeier dale@century21.com or Jan Jablonowski jan239@comcast.net guide you through the process. Don't wait & lose your house in foreclosure. Learn more about debt forgiveness. Call today.... Mary 239-243-5989

Cape Coral Ft Myers Florida Short Sale Have a Question? Need an Answer Pre-Foreclosure Short payoff Solutions How To You Can AVOID foreclosure

2008-03-23T18:39:00.000-07:00

If keeping your home is not an option - call your lender to discuss these possibilities: Sale: If you can no longer afford your home, your lender will usually give you a specific amount of time to find a purchaser and pay off the total amount owed. You will be expected to use the services of a real estate professional who can aggressively market the property. * Pre-foreclosure sale or short payoff: If you can't sell the property for the full amount of the loan, your lender may accept less than the amount owed. This is what is better known as a short sell or short sale. Call The Mary Neilson Team, Short Sale experienced in negotiating with your lender. All information is confidential. 239-243-5989 email: mary@maryneilson.com Subject line: Short Sale Help Please

Have Questions? Get Answers on How To Buy A Short Sale in Cape Coral Fort Myers Lehigh Acres Florida

2008-03-23T16:39:00.000-07:00

The Market is heating up. Don't play it cool. Call The Mary Neilson Team for information on Short Sale, Bank Owned and Conventional Home purchases. Savvy buyers are returning to the Southwest Florida market and buying first, vacation, waterfront, gulf access, fresh water, golf course homes, condos and vacant land at fantastic bargain prices. Don't wait for the uptick. Ask about a personal 'Client Portal'. Give us your wish list & new properties will be sent to you automatically as they come on the market. Call or email one of our Full Time agents today. Depend on a Realtor that will work for you.

Mary Neilson mary@maryneilson.com 239-243-5989

Donna Moyer dmoyer1951@aol.com 239-443-7413

Dale Hintermeier dale@century21.com 239-281-1577

Jan Jablonowski jan239@comcast.net 239-699-1762

About Realtor Jan Jablonowski Cape Coral Fort Myers Florida

2008-01-19T18:11:00.000-08:00

A native of New Jersey, married, a mother of 4 grown children, and 3 wonderful grandchildren. My husband and I frequently visit family in southern New Jersey and Philadelphia.

I don’t miss the weather in Philly, but sometimes miss going to the Phillies, Eagles, and Flyers games. We found a great Philadelphia cheese steak shop in Cape Coral, that brings back those memories.

After a successful career of over 30 years with CIGNA and IBM, I retired to paradise to take advantage of our passion for boating and fishing in Cape Coral. I utilized my professional experience in customer service, management, and computer technology to transition into my second career of real estate. After working in large corporations, it’s a pleasure to work closely with people and to help them make their dreams come true.

To assist with one of the largest financial transactions in peoples lives, and to do it well, is very important to me. You can count on me to be there for you.

Please feel free to contact me for your real estate needs. Jan Jablonowski (239) 699-1762 or email jan239@comcast.net

Buy Buyers Buys Real Estate House Waterfront I want a deal in Cape Coral Fort Myers Florida

2008-01-10T17:56:00.000-08:00

Is it time to jump in? Are you feeling froggie? It's time to buy in SW Florida. Your sunshine & boating paradise await. We'll do the foot work and find your perfect dream home. Whether your passion is Golf, Boating in the hundreds of miles of canals or Gulf of Mexico, Fishing, Sports, Shelling, the Beach or simply working on a Great Tan. Prices are affordable and mortgage interest rates are low. Don't let this down cycle take a move upward before you take the plunge. Call The Mary Neilson Team. Contact us today! Mary 239-243-5989 mary@maryneilson.com KEYWORDS: Find My Dream Home Please

Cape Coral Fort Myers Lehigh Acres Real Estate Homes MLS Realtors Listed Pending Sold

2008-01-10T17:52:00.000-08:00

Call The Mary Neilson Team and consider it SOLD. Mary 239-243-5989

Short Sale information Cape Coral, Fort Myers, Lehigh Acres, San Carlos Florida

2008-01-10T16:53:00.000-08:00

Is a short sale right for my situation? How do I get started with a short sell or short sale? Will I receive a IRS 1099? What are my options to avoid a foreclosure and deficiency judgment? How does the Relief bill President Bush signed affect me? Will I have any out of pocket expenses? Who pays the commission, real estate taxes and other charges related to closing? Who communicates and negotiates the sale with my lender? For answers to these questions and more we can help. Call or email The Mary Neilson Team. 239-243-5989 mary@maryneilson.com